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Large Language Models (LLMs) are increasingly proposed as near-autonomous artificial intelligence (AI) agents capable of making everyday decisions on behalf of humans. Although LLMs perform well on many technical tasks, their behaviour in…
Large Language Models (LLMs) are increasingly used not only for instrumental tasks, but as always-available and non-judgmental confidants for emotional support. Yet what drives adoption and how users perceive emotional support interactions…
Customer's trust in vendors' reputation is a key factor that facilitates economic transactions in e-commerce platforms. Although the trust-sales relationship is assumed robust and consistent, its empirical evidence remains neglected for…
The West African Economic and Monetary Union (WAEMU) states, characterized by widespread smartphone usage, have witnessed banks and financial institutions introducing mobile banking applications (MBAs). These apps empower users to perform…
Mobile gaming apps are woven into children's daily lives. Given their ongoing cognitive and emotional development, children are especially vulnerable and depend on designs that safeguard their well-being. When apps feature manipulative…
The study analyzed the impact of financial inclusion on the effectiveness of monetary policy in developing countries. By using a panel data set of 10 developing countries during 2004-2020, the study revealed that the financial inclusion…
When mobile meets LLMs, mobile app users deserve to have more intelligent usage experiences. For this to happen, we argue that there is a strong need to appl LLMs for the mobile ecosystem. We therefore provide a research roadmap for guiding…
Recent communications environment significantly expand the mobile environment. Prepaid mobile services for 3G networks enables telecommunication to sign up new users by utilizing the latest in converged billing technologies. The worldwide…
Globally, two billion people and more than half of the poorest adults do not use formal financial services. Consequently, there is increased emphasis on developing financial technology that can facilitate access to financial products for…
Several ICT studies give anecdotal evidences showing privacy to be an area of concern that can influence adoption of technology in the developing world. However, in-depth understanding of end users' privacy attitudes and awareness is…
The introduction of new payment methods has resulted in one of the most significant changes in the way we consume goods and services. In this paper, I present results of a field and a laboratory experiment designed to determine the effect…
Many of the world's workers rely on digital platforms for their income. In Venezuela, a nation grappling with extreme inflation and where most of the workforce is self-employed, data production platforms for machine learning have emerged as…
A common assumption in the literature is that the level of income inequality shapes individuals' beliefs about whether the income distribution is fair (``fairness views,'' for short). However, individuals do not directly observe income…
Mobile devices and platforms have become an established target for modern software developers due to performant hardware and a large and growing user base numbering in the billions. Despite their popularity, the software development process…
The recent proliferation of Electronic Commerce (E-commerce) has been further escalated by multifaceted emerging payment solutions such as cryptocurrencies, mobile, peer-to-peer (P2P) and social media payment platforms. While these…
With the ever-growing expansion of mobile technology worldwide, there is an increasing need for accommodation for those who are disabled. This project explores how machine learning and computer vision could be utilized to improve…
Choosing authentication schemes for a specific purpose is challenging for service providers, developers, and researchers. Previous ratings of technical and objective aspects showed that available schemes all have strengths and limitations.…
The study examines the relationship between mobile financial services and individual financial behavior in India wherein a sizeable population is yet to be financially included. Addressing the endogeneity associated with the use of mobile…
Mobile devices gather the communication capabilities as no other gadget. Plus, they now comprise a wider set of applications while still maintaining reduced size and weight. They have started to include accessibility features that enable…
Financial inclusion is a longstanding concern across underdeveloped communities, particularly for women. However, there are limited data-driven measures to first quantitatively identify such concerns and second to inform policies. In this…